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MBH Jelzálogbank Nyrt.
MBH Mortgage Bank Co. Plc.
MBH Mortgage Bank share

MBH Mortgage Bank Co. Plc.

  • Introduction
  • Trading data
  • Financials
  • Shareholders, management
  • Publications
  • Product features
Full Name MBH Mortgage Bank Co. Plc.
Short name MBH Mortgage Bank Co. Plc.
Sector Banking
Contact
HU-1117 Budapest, Magyar Tudósok körútja 9. G ép.
Phone: +36-1-311-3110
Fax: -
Investor Relations
Illés Tóth
Phone: +36-30-417-4356
Fax: -
Auditor PricewaterhouseCoopers Könyvvizsgáló Kft. (Auditor: Balázs Árpád Mészáros)
Business activity MBH Mortgage Bank Plc. (formerly Takarék, and even before FHB Mortgage Bank Plc.) has been playing a significant role in the Hungarian mortgage lending, refinancing and also the most active covered bond issuer on the domestic capital market since its foundation in 1997. At the time of the foundation, its principal business activities were to refinance the development and purchases of housing real estates and also the disbursement of state subsidised housing loans. The Bank made the mortgage-based financing country-wide available through direct sales, its agent network, as well as its refinancing partner banks. The Mortgage Bank was a member of the Takarék Group between 2015-2023 and from 1st of May 2023 became a member of MBH Group. Meanwile its activity has also changed: it exclusively refinances mortgage loans. The shares of the MBH Mortgage Bank Plc. are traded on the Budapest Stock Exchange since November 2003 and the majority of the covered bonds and senior unsecured bonds issued by the MBH Mortgage Bank are also listed securities.
Listed securities of the issuer
Name Ticker ISIN
FJ26NF01 mortgage bond FJ26NF01 HU0000652888
FJ28NF01 mortgage bond FJ28NF01 HU0000653142
MBH Mortgage Bank share MBHJB HU0000078175
MJ27NV01 Mortgage Bond MJ27NV01 HU0000653613
MJ29NF01 mortgage bond MJ29NF01 HU0000653662
MJ33NF01 mortgage bond MJ33NF01 HU0000653597
MZJ29NF1 Mortgage Bond MZJ29NF1 HU0000653688
TJ24NF01 mortgage bond TJ24NF01 HU0000653217
TJ24NV01 mortgage bond TJ24NV01 HU0000653266
TJ25NF01 mortgage bond TJ25NF01 HU0000653308
TJ25NV01 mortgage bond TJ25NV01 HU0000653316
TJ26NF02 mortgage bond TJ26NF02 HU0000653407
TJ30NF01 mortgage bond TJ30NF01 HU0000653373
TJ31NF01 mortgage bond TJ31NF01 HU0000653423
TJ36NF01 mortgage bond TJ36NF01 HU0000653415
TZJ27NF1 mortgage bond TZJ27NF1 HU0000653464
TZJ32NF1 mortgage bond TZJ32NF1 HU0000653514
Basic Information
Ticker MBHJB
ISINHU0000078175
Date of listing24 Nov 2003
Currency of tradingHUF
Face Value100 HUF
Number of securities listed108,490,300
Market Capitalisation (HUF million)99,811
> Split (S)/Reverse split (R)
09 Jun 2005 S (1 : 10)
P/BV
P/BV* 1.343
* Calculating based on the capitalisation of the actual series only
Performance
* annualized yield

Key annual data

Audited, , in compliance with IFRS (Business Year: January 1 - December 31)
20211 20221
(million HUF) (million HUF)
Net interest income 4,248 6,555
Total non-interest income 1,811 135
Provisions for loans -224 -557
Operating Profit (EBIT) 5,439 3,334
Profit before tax 2,737 2,158
Profit after tax 2,745 1,811
Dividend per (ordinary) share 0 HUF 0 HUF
Loans 41,360 24,733
Refinancing of mortgage loans 331,881 368,460
Deposits from Customers 0 0
Mortgage bond liabilities 327,835 367,249
Total liabilities 596,079 742,911
Share capital 10,849 10,849
Shareholders equity 68,936 71,037
Total assets 665,015 813,948
Number of employees (at business year end) 14 14
(1) Audited, , in compliance with IFRS (Business Year: January 1 - December 31)

Selected financial ratios

Ratios are based on data submitted by the company
2021 2022
Equity Ratio 8.65 10.46
Return on assets (ROA) 0.04 0.03
Return on equity (ROE) 0 0

Mid-year reports

Non-audited, , in compliance with IFRS (Business Year: January 1 - June 30)
Key P&L Figures Jan 2022 - Jun 20221 Jan 2023 - Jun 20231
(million HUF) (million HUF)
Net interest income 2,944 3,310
Total non-interest income 1,078 1,104
Provisions for loans -155 934
Operating profit (EBIT) 3,185 2,358
Profit before tax 978 2,968
Profit after tax 877 2,728
Key Balance Sheet Items 30 Jun 2022 30 Jun 2023
(million HUF) (million HUF)
Placement with other banks 39,391 8,703
Loans 33,643 29,960
Refinancing of mortgage loans 348,609 367,164
Tangible assets 89 123
Total assets 758,018 747,914
Deposits from Banks 321,770 295,267
Deposits from Customers 0 0
Mortgage bond liabilities 352,967 367,678
Total liabilities 687,988 673,593
Shareholders equity 70,030 74,321
Share capital 10,849 10,849
Total liabilities and shareholders equity 758,018 747,914
(1) Non-audited, , in compliance with IFRS (Business Year: January 1 - June 30)
Shareholders exceeding 5% stake with respect to the listed series
Name Shareholding (%) Share piece
MBH Befektetési Bank Zrt. 48.42 52,531,760
Magyar Posta Zrt. 39.71 43,076,417
Note: When determining the Free Float for a particular series, all the securities of the company shall be regarded to be publicly held other than (i) the stock of securities held by holders with direct holdings of more than 5% of the total number of securities, (ii) securities in the possession of custodians, provided the certificate available to the custodian verifies that the particular person holds more than 5% of the total number of securities outstanding belonging to the series. The value of the free float is based on the data provided by the issuer.
Management
Management Board VIDA József (chairman), Dr. NAGY Gyula László, TÓTH Illés, GINZER Ildikó, dr. TÖRÖK Ilona, BREZINA Szabolcs Károly
Management Dr. NAGY Gyula László (managing director), TÓTH Illés (managing director)
Supervisory Board dr. LÁNG Géza Károly (chairman), dr. LÉLFAI Koppány Tibor, KRIZSANOVICH Péter, dr. GÖDÖR Éva Szilvia, dr. TISZA-PAPP Ákos Ferenc
Publication News
22 Mar 2024 15:30 Notice on convening an Annual General Meeting 2024
22 Mar 2024 15:10 Modified Corporate Calendar 2024
14 Mar 2024 13:50 Notice of MBH Mortgage Bank’s Base Prospectus of HUF 150 billion 2024-2025 Issue Program
12 Mar 2024 13:47 Resolution No. 59/2024 of the Budapest Stock Exchange Plc. introducing into exchange trading the mortgage bond named MZJ29NF1 tranche number 001, as of March 14, 2024.
11 Mar 2024 13:26 Result of the auction of first tap of the MZJ29NF1 MBH MB Green Covered Bond
04 Mar 2024 10:40 Final terms of the first tap of MZJ29NF1 MBH MB Green Covered Bond
01 Mar 2024 11:45 The amount and the composition of the Company’s share capital 29.02.2024.
29 Feb 2024 08:20 MBH Mortgage Bank Co. Plc.’s Green Covered Bond Framework, referring Second Party Opinion
23 Feb 2024 13:20 Resolution No. 35/2024 of the Budapest Stock Exchange Plc. modifying the listed amount of the mortgage bond named TJ24NF01 issued by MBH Mortgage Bank Co. Plc., as of February 26, 2024.
22 Feb 2024 14:02 MBH Mortgage Bank Co. Plc.’s announcement on the actual quarterly interest of TJ25NV01 Covered Bond
Publication Report
27 Apr 2023 12:50 Annual report for the year ending 31.12.2022
31 Aug 2023 09:35 Half-yearly Report on the H1 2023 results and investor presentation
02 May 2023 16:15 Corporate Governance Report for the year 2022
Publication Green framework
29 Feb 2024 08:20 MBH Mortgage Bank Co. Plc.’s Green Covered Bond Framework, referring Second Party Opinion
Publication Articles of Association
26 Jul 2023 15:15 Articles of Associations 26.06.2023
Publication Voting rights, registered capital
01 Mar 2024 11:45 The amount and the composition of the Company’s share capital 29.02.2024.
Publication Corporate Action Timetable
22 Mar 2024 15:10 Modified Corporate Calendar 2024
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Name of securityMBH Mortgage Bank share
IssuerMBH Mortgage Bank Co. Plc.
Equity classOrdinary share
Type of securityRegistered
Form of securityDematerialised
Code of security (ISIN)HU0000078175
Ticker symbolMBHJB
Face value100 HUF
Number of securities listed108,490,300
Rights to dividendsFull year
Listing date24 Nov 2003
First Trading Day24 Nov 2003
MarketPrime
Trading Unit
Currency of tradingHUF
Trading time
Listing price4,300